Terms of Use
Updated: April 14, 2026
Version 1.0
- Effective date: 14/04/2026
- Last updated: 14/04/2026
Preamble
Welcome to Monetika — a financial literacy learning platform (the "Service"), operated from the Republic of Belarus and available to users in all jurisdictions in which the Service's website is accessible and in which payments to the Operator can be processed. These Terms of Use (the "Terms") form a legally binding agreement between you ("you", "User") and the Operator of the Service (the "Operator", "we", "us", "our"). Please read these Terms carefully before creating an account or using the Service. By creating an account, accessing, or using the Service in any way, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference.
If you do not agree to these Terms, you must not create an account or use the Service.
The authoritative version of these Terms is the Russian version. This English version is provided for convenience only. In case of any conflict or inconsistency between the Russian version and this English translation, the Russian version prevails.
1. Definitions
In these Terms, the following capitalized terms have the meanings set out below.
1.1. "Account" means the personal user account you create on the Service.
1.2. "AI Features" means features of the Service that use artificial intelligence or large language model technologies, including but not limited to the AI Lesson Explainer, the AI Chat for finance questions, and the AI Expenses Analyzer.
1.3. "Content" means all educational materials, courses, chapters, lessons, quizzes, text, images, audio, video, and other materials made available through the Service by the Operator.
1.4. "Fair Use Policy" means the document published by the Operator at a stable URL on the Monetika website, which sets out quantitative limits and acceptable patterns of use for Free Tier and PRO features, including AI Features, and which forms an integral part of these Terms.
1.5. "Free Tier" means the free-of-charge level of access to the Service, with limited features and usage allowances as described in the Fair Use Policy.
1.6. "PRO" means the paid subscription tier of the Service, which grants access to additional features and higher usage allowances.
1.7. "Trial" means a time-limited, free-of-charge period of access to PRO features, offered at the Operator's discretion.
1.8. "User Content" means any content you submit, upload, or transmit through the Service, including chat messages sent to AI Features, expense entries, profile information, and quiz answers.
2. The Operator
The Operator of the Service in the Republic of Belarus is:
Individual Entrepreneur Pankov A. V. (ИП Панков А. В.)
- Payer Account Number (УНП): EE9159145
- Registering authority: Inspectorate of the Ministry of Taxes and Duties of the Republic of Belarus for the Mozyr District No. 415
- Contact email: support@monetika.by
Individual Entrepreneur Pankov A. V. is the contracting party (under these Terms of Use) in respect of all users of the Service. The Operator collects PRO subscription payments from users, bears contractual liability to users in accordance with the applicable laws of the Republic of Belarus, and responds to user enquiries on subscription, refund, and Account access matters.
The Operator may, by written notice sent to your registered email address no less than thirty (30) days in advance, transfer the operation of the Service and these Terms, including all rights and obligations under them, to a successor. By continuing to use the Service after the expiry of that notice period, you consent to such transfer. If you do not consent, your remedy is to delete your Account and, where applicable, receive a pro-rata refund of any prepaid PRO amounts for the unexpired portion of your current billing period.
3. Eligibility and Minors
3.1. General age requirement. You must be at least fourteen (14) years old to create an Account and use the Free Tier of the Service.
3.2. Age requirement for PRO. You must be at least eighteen (18) years old to purchase, hold, or use a PRO subscription in your own name. If you are between fourteen (14) and seventeen (17) years old, a PRO subscription may only be established by your parent or legal representative, who must themselves create an Account in their own name, accept these Terms on their own behalf, and link your use to their Account. In that case, the parent or legal representative is the contracting party, is solely responsible for all fees, and accepts all obligations under these Terms. This requirement reflects the provisions of the Civil Code of the Republic of Belarus on the legal capacity of minors.
3.3. Age verification and parental consent. We may, but are not obliged to, request verification of your age or of parental consent at any time. We may suspend or terminate any Account where we have reasonable grounds to believe that the requirements of this Section 3 are not met. Submitting false age information is a material breach of these Terms.
3.4. Territorial eligibility. The Service is available to users in all jurisdictions in which the Service's website is accessible and in which payments to the Operator can be processed, including but not limited to the member states of the Eurasian Economic Union (EAEU) and other CIS states in which access to the Service is not restricted. The Operator may restrict or refuse access from any jurisdiction at its discretion, in particular with respect to jurisdictions subject to international sanctions applicable to the Operator or to statutory restrictions on the provision of the relevant educational or digital services. You are responsible for ensuring that your use of the Service complies with the laws of the country from which you access it, and for the payment of any taxes or duties applicable to you at your place of residence.
4. Account Registration and Security
4.1. Registration. To use most features of the Service, you must create an Account by providing a valid email address, a password, and such other information as we may reasonably request. You must provide accurate, current, and complete information during registration and keep it up to date.
4.2. One Account per person. You may hold only one personal Account. Creating or operating multiple Accounts to circumvent usage limits, Trial eligibility, payment, or any restriction imposed under these Terms is prohibited and is a material breach.
4.3. Account security. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your Account. You must notify us without undue delay at support@monetika.by if you become aware of any unauthorized access to or use of your Account.
4.4. No sharing. You may not share your Account credentials with any third party, resell or transfer your Account, or allow any other person to use your Account. AI Features are licensed per-person and may not be used on a shared or rotating basis.
5. The Service: Free Tier and PRO
5.1. Free Tier. We grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Free Tier for your own personal, non-commercial, educational purposes, subject to the usage allowances set out in the Fair Use Policy.
5.2. PRO subscription. Subject to payment of the applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the PRO features during your paid subscription period, subject to the usage allowances set out in the Fair Use Policy.
5.3. Scope of the license. The license granted under Sections 5.1 and 5.2 is for your own personal educational use only. You may not use the Service or any Content for any commercial purpose, including but not limited to reselling access, redistributing Content, training machine learning models, developing competing products, or providing financial, investment, tax, or legal advice to third parties.
5.4. Feature changes and modifications. We are continuously improving the Service. We reserve the right to add, modify, discontinue, replace, or remove features, Content, courses, AI models, usage allowances, and technical parameters of the Service at any time, including features that form part of the PRO subscription, provided that:
(a) for changes that materially reduce the functionality or value of a PRO subscription that you have already paid for, we will give you no less than thirty (30) days' prior notice by email, and during that notice period you may terminate your PRO subscription and receive a pro-rata refund of the unexpired portion of the then-current billing period;
(b) for changes that do not materially reduce the functionality or value of a paid PRO subscription, or for changes affecting only Free Tier users, we may implement the change with or without prior notice;
(c) changes to the Fair Use Policy will be published on the Fair Use Policy page and will become effective on the date stated there, subject to the same material-change notice rule in (a).
5.5. No guarantee of uninterrupted service. The Service is provided on a commercially reasonable efforts basis. We do not guarantee that the Service will be uninterrupted, error-free, secure, or available at any particular time or location. Planned maintenance, technical failures, third-party service outages (including outages of AI model providers), and force majeure events may cause temporary unavailability.
6. Free Trial of PRO
6.1. Trial eligibility. We may, from time to time, offer a free Trial of PRO features. Trials are offered at our sole discretion and on terms published at the time of the offer, including the duration and the features included.
6.2. One Trial per person. You are entitled to a maximum of one (1) Trial per person in your lifetime. For the purposes of this Section, the following are treated as the same person and are entitled, collectively, to a single Trial:
(a) any Accounts registered with the same email address, the same phone number, or the same payment method; (b) any Accounts registered by the same natural person, regardless of the email address or payment method used; (c) any Accounts registered from the same device, the same household, the same IP address range, or the same residential address, where we reasonably determine that they are operated by the same person or by persons acting in coordination to obtain multiple Trials.
6.3. No payment card required; no automatic conversion. Unless we expressly state otherwise at the time of the Trial offer, Trials do not require you to provide a payment method, and Trials do not automatically convert into a paid PRO subscription. At the end of the Trial, your Account will revert to the Free Tier unless you have separately purchased a PRO subscription.
6.4. Anti-abuse measures. Circumventing the one-Trial limit through the creation of multiple Accounts, the use of disposable email addresses, the use of VPNs or proxies to mask identity, the provision of false identifying information, the use of virtual or prepaid payment methods, or any other means is prohibited and is a material breach of these Terms. We may detect such circumvention by technical means, including device fingerprinting and analysis of usage patterns. Upon detection of circumvention, we may, without notice and without refund, suspend or terminate any Accounts involved, revoke any active Trial or PRO subscription obtained through circumvention, and refuse to provide the Service to the persons concerned in the future.
7. PRO Subscription, Billing, and Cancellation
7.1. Subscription terms. PRO subscriptions are offered on a monthly or annual basis. The specific fees, taxes, billing cycle, included features, and usage allowances are described on the Service's pricing page and in the Fair Use Policy at the time of purchase. Prices are denominated in Belarusian rubles (BYN).
7.2. Payment processor. Payments for PRO subscriptions are processed by the bePaid payment system (LLC "iVEB"), an acquiring operator in the Republic of Belarus. By purchasing a PRO subscription, you also agree to the terms and privacy policy of the payment processor. We do not store your full payment card details on our servers; they are processed exclusively by the payment processor, which complies with PCI DSS requirements.
7.3. Automatic renewal. Unless you cancel before the end of the current billing period, your PRO subscription will automatically renew for successive periods of the same length (monthly or annual) at the then-current published price for that plan. You authorize us and our payment processor to charge your payment method for each renewal.
7.4. Renewal reminder. Before each annual renewal, and no later than fourteen (14) days before the renewal date, we will send a reminder email to your registered email address stating the upcoming renewal, the amount that will be charged, and a link to cancel.
7.5. Cancellation by you. You may cancel your PRO subscription at any time, with effect at the end of the then-current billing period, through the cancellation interface in your Account settings. Cancellation is effective upon your submission of the cancellation request; no further communication is required. We will not charge you for the following billing period. You will retain access to PRO features until the end of the billing period for which you have already paid.
7.6. Refunds. A PRO subscription is a digital service whose performance begins immediately upon payment. PRO subscription fees are non-refundable, except in cases expressly provided for in the Refund Policy and except where a refund is expressly required by mandatory provisions of the Law of the Republic of Belarus "On the Protection of Consumer Rights". Detailed refund conditions, including cases of duplicate charges, prolonged unavailability of the Service, and other circumstances, are set out in the Refund Policy, which forms an integral part of these Terms.
7.7. Price changes. We may change the price of PRO subscriptions at any time, provided that any price change affecting an existing subscription will take effect only at the next renewal following no less than thirty (30) days' prior notice by email. If you do not agree to the price change, you may cancel your subscription before the renewal date and the price change will not apply to you.
7.8. Taxes. Prices are shown inclusive of any taxes that we are required to collect under the laws of the Republic of Belarus.
7.9. Failed payments. If an automatic renewal payment fails, we may suspend your access to PRO features and attempt to process the payment again over a period of up to fourteen (14) days. If payment is not successfully collected within that period, your subscription will be terminated and your Account will revert to the Free Tier. You remain liable for any successfully processed amounts up to the date of termination.
8. AI Features: Usage, Limits, and Disclaimers
8.1. Nature of AI Features. The AI Features of the Service are powered by third-party large language models and other artificial intelligence technologies. AI Features generate text responses to user inputs in real time, at a non-trivial per-use cost to the Operator. The behavior and availability of AI Features depend on third-party providers and may change without notice.
8.2. Fair use of AI Features. Access to AI Features is subject to the Fair Use Policy. The Fair Use Policy sets out quantitative limits on the volume, frequency, and nature of AI Feature usage permitted under each tier. The following are examples of use that is NOT within fair use and constitutes a material breach of these Terms:
(a) using AI Features at a rate or volume substantially in excess of the typical usage of other users of the same tier; (b) using AI Features through automated means (including scripts, bots, browser automation, or API emulation); (c) using AI Features to generate content for any commercial purpose, for resale, for training other AI models, or for bulk content generation; (d) using AI Features to circumvent, probe, disrupt, or otherwise interfere with the Service or with the underlying AI models, including but not limited to prompt injection attacks, attempts to extract system prompts, attempts to bypass safety filters, and attempts to cause the AI to generate content outside the scope of financial education; (e) using AI Features to generate content that is illegal, harmful, defamatory, harassing, hateful, sexually explicit, violent, or otherwise contrary to applicable law or to the Acceptable Use Policy in Section 10; (f) sharing an Account with other persons such that AI Feature usage exceeds that of a single individual.
8.3. Consequences of fair use violation. If we determine, in our reasonable discretion based on objective usage data, that your use of AI Features is outside fair use, we may, at our discretion and without prior notice:
(a) throttle or rate-limit your access to AI Features; (b) temporarily suspend your access to AI Features while maintaining other aspects of your Account; (c) terminate your PRO subscription without refund of the remaining portion of the billing period; (d) suspend or terminate your Account in accordance with Section 13.
We are not required to demonstrate specific intent or malice to take action under this Section 8.3. Objective usage data showing use substantially outside normal patterns is sufficient.
8.4. No professional advice. The AI Features, like all other Content on the Service, are provided for educational and informational purposes only. AI-generated responses do not constitute, and must not be relied upon as, financial, investment, tax, legal, accounting, or any other form of professional advice. You must not make any financial, investment, or other decision on the basis of AI-generated content alone. You must consult a licensed professional before acting on anything you learn from the Service.
8.5. AI output may be incorrect. Large language models can generate responses that are inaccurate, misleading, biased, out of date, or entirely fabricated ("hallucinations"). We make no warranty as to the accuracy, completeness, reliability, or fitness for purpose of any AI-generated content. You are solely responsible for verifying any information you obtain from AI Features before relying on it.
8.6. No training on your data. We do not use your User Content, including your interactions with AI Features, to train foundation models, either our own or those of third parties, except as strictly necessary to provide and improve the Service (for example, anonymized aggregate analytics and abuse detection). Further details are set out in the Privacy Policy.
8.7. Ownership of AI output. As between you and us, and subject to the rights of third-party AI model providers as set out in their own terms, we do not claim ownership of the text output generated by AI Features in response to your specific inputs. However, we do not warrant that such output is original, non-infringing, or free to use for any purpose, and we make no representation that you own any intellectual property rights in it.
8.8. AI Feature availability. AI Features depend on third-party providers. We reserve the right to change the AI models used, suspend AI Features temporarily or permanently, or restrict AI Feature availability by region, tier, or circumstance. A suspension of AI Features, on its own, is not a material reduction in service for the purposes of Section 5.4(a) unless it exceeds seventy-two (72) consecutive hours.
9. Educational Purpose; Not Financial Advice
9.1. Educational service only. The Service is an educational platform. It provides information, instruction, and interactive tools relating to personal finance, money management, savings, investments, and similar topics. The Service is not, and does not hold itself out as:
(a) a licensed financial adviser, investment adviser, broker, dealer, forex company, or other professional participant in the securities market under the laws of the Republic of Belarus, including the Law of the Republic of Belarus "On the Securities Market", acts of the National Bank of the Republic of Belarus, and other applicable regulatory acts; (b) a licensed tax adviser, accountant, or legal counsel; (c) a provider of personalized financial recommendations.
9.2. No personalized recommendations. Nothing on the Service, including any Content, quiz result, AI-generated response, or interaction with any feature of the Service, constitutes a personalized recommendation to buy, sell, hold, or take any other action in respect of any financial product, security, bank deposit, or other asset.
9.3. Past performance, examples, and hypothetical scenarios. Any historical data, examples, or hypothetical scenarios presented on the Service are for illustration only. Past performance is not indicative of future results.
9.4. Your responsibility. All decisions about your money, investments, taxes, and legal affairs are yours alone. Before acting on any information obtained from the Service, you should consult a qualified professional licensed in the Republic of Belarus.
10. Acceptable Use Policy
You agree that you will not, and will not attempt to, do any of the following while using the Service:
(a) use the Service for any purpose that is unlawful under the laws applicable to you or to the Operator, or for any fraudulent purpose;
(b) infringe any third party's intellectual property rights, privacy rights, publicity rights, or contractual rights;
(c) upload, transmit, or submit any content that is defamatory, obscene, sexually explicit, hateful, harassing, threatening, violent, discriminatory, or otherwise offensive;
(d) upload, transmit, or submit any content that contains malware, viruses, worms, trojan horses, or other harmful code;
(e) interfere with, disrupt, or probe the security of the Service, its servers, its networks, or any system connected to them;
(f) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying ideas of any part of the Service, except where such restriction is prohibited by mandatory law;
(g) use any robot, spider, scraper, or other automated means to access, collect information from, or interact with the Service, except for bona fide search engine indexing of publicly accessible pages;
(h) circumvent, disable, or otherwise interfere with any security, rate-limiting, digital rights management, or access-control mechanism of the Service;
(i) use the Service to build, train, or improve any product, service, database, or machine learning model that competes with the Service or that reproduces any material portion of the Content or AI-generated output;
(j) resell, sublicense, rent, lease, loan, distribute, or otherwise make the Service or any part of it available to any third party;
(k) create multiple Accounts, share Accounts, or use the Service in any manner intended to circumvent fees, usage limits, Trial eligibility, or any restriction imposed by these Terms or by the Fair Use Policy;
(l) use the Service to provide financial, investment, tax, legal, or other professional advice to third parties;
(m) use the Service in a manner that imposes an unreasonable or disproportionately large load on our infrastructure;
(n) engage in any conduct that is prohibited by the Fair Use Policy;
(o) assist, encourage, or enable any other person to do any of the above.
Violation of this Section 10 is a material breach of these Terms.
11. Intellectual Property
11.1. Intellectual property. The Service, including all Content, software, design, graphics, logos, trademarks, and compilations, is protected by copyright, trademark, and other intellectual property laws. The Operator uses the Service on the basis of corresponding licensing rights from the rightsholder of the software. Except for the limited license granted in Section 5, no rights in or to the Service or the Content are granted to you.
11.2. Your User Content. You retain all rights you have in your User Content. By submitting User Content to the Service, you grant the Operator a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, modify (for technical purposes only, such as reformatting), create derivative works of (for technical purposes only, such as generating AI responses based on your prompts), and transmit your User Content solely as necessary to operate, improve, and secure the Service and to provide the features you have requested. This license terminates when you delete your User Content or your Account, except to the extent necessary for backup, legal compliance, or dispute resolution.
11.3. Your representations about User Content. You represent and warrant that: (a) you own or have the necessary rights to your User Content and to grant the license in Section 11.2; (b) your User Content does not infringe any third party's rights and does not violate these Terms or any applicable law; (c) you will not submit User Content that contains sensitive personal data of third parties without lawful basis.
11.4. Feedback. If you voluntarily submit ideas, suggestions, feedback, or recommendations about the Service, we may use them for any purpose without any obligation or compensation to you.
11.5. Copyright infringement claims. If you believe that your copyright has been infringed by content available on the Service, please contact us at support@monetika.by with: (a) identification of the work you claim has been infringed; (b) identification of the allegedly infringing material and its location on the Service; (c) your contact information; (d) a statement that you have a good faith belief that the use is not authorized. We will respond to valid notices in accordance with the applicable law of the Republic of Belarus.
12. Privacy
Your privacy is important to us. Our collection and processing of personal data is described in our Privacy Policy, available on the Service and incorporated by reference into these Terms. The processing of personal data is carried out in accordance with the Law of the Republic of Belarus of 7 May 2021 No. 99-Z "On the Protection of Personal Data". By accepting these Terms, you confirm that you have read and understood the Privacy Policy.
13. Suspension and Termination
13.1. Termination by you. You may terminate these Terms at any time by deleting your Account through the account settings in the Service or by contacting us at support@monetika.by. If you have an active PRO subscription, termination of the Terms also terminates your PRO subscription; the rules on refunds in Section 7 and in the Refund Policy apply.
13.2. Termination or suspension by us for cause. We may suspend or terminate your Account, your PRO subscription, and your access to the Service, in whole or in part, with immediate effect and without refund, if:
(a) you are in material breach of these Terms, the Fair Use Policy, or the Acceptable Use Policy in Section 10, and (if the breach is capable of remedy) you have not remedied the breach within a reasonable period after our request, or the breach is of a kind where a request would be inappropriate;
(b) we have reasonable grounds to believe that you have engaged in fraud, abuse, or unlawful conduct in connection with the Service;
(c) we have reasonable grounds to believe that you have engaged in circumvention of Trial eligibility limits, created multiple Accounts, or otherwise sought to evade these Terms;
(d) your use of AI Features is outside fair use as determined under Section 8.3;
(e) we are required to do so by law, court order, or by a competent authority of the Republic of Belarus;
(f) your continued use poses a security, legal, or reputational risk to us or to other users.
For clarity, in the cases set out in (b), (c), (d), and (f) above, we are not required to give prior notice or opportunity to remedy before termination.
13.3. Termination by us for convenience. We may terminate these Terms and your Account for any reason or no reason, with thirty (30) days' prior notice by email. If we do so, and you have an active PRO subscription that has not expired, we will provide a pro-rata refund of the unexpired portion.
13.4. Effects of termination. Upon termination: (a) your right to access and use the Service ends immediately; (b) we may delete your Account and your User Content after a retention period set out in the Privacy Policy, subject to legal retention obligations; (c) provisions that by their nature should survive termination (including provisions on intellectual property, disclaimers, limitation of liability, indemnification, and governing law) survive termination.
13.5. No liability for termination. Except as expressly set out in Sections 13.3 and 5.4(a), we will not be liable to you or to any third party for any termination or suspension of your Account or access to the Service in accordance with this Section 13.
14. Disclaimers
14.1. Service provided "as is". To the maximum extent permitted by applicable law, the Service, all Content, and AI Features are provided on an "as is" and "as available" basis, without warranties or representations of any kind, whether express, implied, or statutory, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or uninterrupted operation.
14.2. No warranty as to outcomes. We do not warrant that the Service will achieve any particular educational, financial, or personal outcome for you. Your success in applying what you learn depends on many factors outside our control.
14.3. Third-party content and services. The Service may include, reference, or link to third-party content or services (including AI model providers, payment processors, and external educational resources). We are not responsible for the availability, accuracy, or content of third-party materials or services.
14.4. Statutory consumer rights unaffected. Nothing in this Section 14 limits or excludes any warranty or right that cannot be limited or excluded under the mandatory provisions of the Law of the Republic of Belarus "On the Protection of Consumer Rights" and other applicable legislation.
15. Limitation of Liability
15.1. Excluded damages. To the maximum extent permitted by applicable law, in no event shall the Operator, its affiliates, officers, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of business opportunity, loss of goodwill, or investment losses, arising out of or in connection with these Terms or the Service, whether based on contract, tort (including negligence), strict liability, or any other theory of liability, and whether or not we have been advised of the possibility of such damages.
15.2. Aggregate liability cap. To the maximum extent permitted by applicable law, the total aggregate liability of the Operator to you, under or in connection with these Terms and the Service, for all claims in the aggregate, is limited to the greater of: (a) the total fees actually paid by you to the Operator for the PRO subscription in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) three hundred (300) Belarusian rubles.
15.3. Financial losses expressly excluded. Without limiting Section 15.1, the Operator shall not, under any circumstances, be liable for any investment losses, trading losses, tax penalties, missed opportunities, or other financial harm arising from actions you take or refrain from taking on the basis of any Content, AI-generated response, or information obtained through the Service. You acknowledge that all such decisions are made by you at your sole risk.
15.4. Carve-outs required by law. The limitations in this Section 15 do not exclude or limit liability:
(a) for death or personal injury caused by our negligence; (b) for intentional misconduct; (c) for breach of any mandatory provision of the Law of the Republic of Belarus "On the Protection of Consumer Rights"; (d) for any other liability that, under the applicable law of the Republic of Belarus, cannot be excluded or limited.
15.5. Essential basis of the bargain. The limitations in this Section 15 form an essential basis of the bargain between you and us. They apply even if a limited remedy is found to have failed of its essential purpose.
16. Indemnification
To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Operator and its affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
(a) your breach of these Terms or of any law; (b) your use or misuse of the Service; (c) your User Content; (d) any third-party claim that your use of the Service or your User Content has caused harm to the third party.
This Section does not apply to the extent that the claim arises from our breach of these Terms or from our intentional misconduct. If you are a consumer, this Section applies only to the extent permitted by the mandatory provisions of the Law of the Republic of Belarus "On the Protection of Consumer Rights".
17. Governing Law and Dispute Resolution
17.1. Governing law. These Terms and any dispute arising out of or in connection with them shall be governed by the laws of the Republic of Belarus.
17.2. Informal dispute resolution. Before initiating any formal dispute, you agree to first contact us at support@monetika.by with a description of the dispute and the relief you seek, and to allow us thirty (30) days to attempt to resolve the dispute informally. Compliance with this pre-claim procedure is mandatory before filing a court claim, unless otherwise provided by law.
17.3. Jurisdiction. Disputes arising out of or in connection with these Terms shall be subject to consideration by the courts of general jurisdiction of the Republic of Belarus in accordance with the rules established by the procedural legislation of the Republic of Belarus. Disputes with consumers shall be subject to consideration at the place of residence of the consumer in accordance with the Law of the Republic of Belarus "On the Protection of Consumer Rights".
18. Changes to These Terms
18.1. When we may change the Terms. We may amend these Terms from time to time to reflect changes to the Service, to our business practices, or to applicable law.
18.2. Notice of changes. If we make material changes to these Terms, we will notify you by email to your registered email address and by a prominent notice on the Service, no less than thirty (30) days before the changes take effect. For non-material changes (for example, correction of typographical errors, clarifications that do not affect rights or obligations), we may implement the change with or without notice and the change takes effect upon publication.
18.3. Your options following material changes. If you do not agree to a material change, your sole remedy is to terminate your Account before the change takes effect. If you have an active PRO subscription at that time, we will refund the pro-rata unexpired portion. Your continued use of the Service after the effective date of a material change constitutes your acceptance of the change, but only to the extent that you have been clearly notified of the change and given a reasonable opportunity to terminate first.
19. Miscellaneous
19.1. Entire agreement. These Terms, together with the Privacy Policy, the Refund Policy, and the Fair Use Policy, constitute the entire agreement between you and us with respect to the Service and supersede all prior and contemporaneous agreements, proposals, and communications.
19.2. No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to enforce that or any other provision in the future.
19.3. Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions shall continue in full force and effect.
19.4. Assignment. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms to any successor in connection with a reorganization, the cessation of activity of the individual entrepreneur with the transfer of rights to another person, or by operation of law, subject to the notice procedure in Section 2.
19.5. Force majeure. We shall not be liable for any failure or delay in performance caused by events beyond our reasonable control, including but not limited to acts of God, government action, power outages, internet outages, failures of third-party service providers, or denial-of-service attacks.
19.6. No agency. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us.
19.7. Notices to you. We may give you notice by email to your registered email address, by posting a notice on the Service, or by any other reasonable method. Notice is deemed given on the date sent.
19.8. Notices to us. You may give us notice by email at support@monetika.by.
19.9. Headings. Headings in these Terms are for convenience only and do not affect interpretation.
20. Contact
For any questions about these Terms, please contact us at support@monetika.by.
END OF TERMS